Non-Agency Credit Underwriter - Home Lending Operations Consumer Underwriting

Role summary

Written by MyIslandJob from the job title and employer. See the employer's page for the full description.

The Non-Agency Credit Underwriter reviews residential mortgage applications that do not meet standard agency guidelines and assesses borrower income, assets, credit history, property details, and overall repayment capacity. Requirements typically include lending or mortgage underwriting experience, knowledge of credit policy and regulatory requirements, strong analytical and decision-making skills, attention to detail, and proficiency with relevant systems and documentation. Candidates are expected to make accurate, well-supported credit decisions, manage assigned workloads within service-level targets, identify risks or exceptions, communicate clearly with internal teams, and maintain high standards of confidentiality, quality, and compliance. Experience with U.S. home lending or non-agency underwriting is highly desirable.

About the employer

JPMorgan Chase & Co. is one of the world’s largest financial services organizations, serving consumers, businesses, institutional clients, and governments. Headquartered in the United States, the company operates across commercial banking, consumer banking, investment banking, asset management, payments, and technology. Its brands include JPMorgan and Chase. The firm employs hundreds of thousands of people worldwide and has a significant operations, technology, and service presence in the Philippines, particularly in Metro Manila. Philippine teams support global processes such as home lending, customer service, finance, risk, operations, and technology. JPMorgan Chase emphasizes disciplined risk management, regulatory compliance, operational excellence, innovation, and professional development. Employees generally work in structured, performance-focused environments with opportunities to collaborate across countries and business lines. Compensation and benefits depend on the position, experience, shift schedule, and employment arrangement.